Make one extra principal payment each year
Switch to biweekly mortgage payments
Round up each monthly payment
Apply tax refunds and bonuses to principal
Refinance to a shorter loan term
Recast the mortgage after a lump-sum payment
Cut unnecessary expenses and redirect savings to principal
Use side income to make extra mortgage payments
Avoid taking cash out of home equity
Confirm extra payments are applied to principal
Automate additional principal payments
Pay off high-interest debt first to free up cash
Keep an emergency fund before making aggressive extra payments
Check for prepayment penalties before paying extra
Review your mortgage statement regularly for errors